We currently don't have that product, but here are others to consider:
How we picked theseWe crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Your home is likely to be the most expensive thing you own, so it's worth protecting. If it gets damaged by fire, flood, burst pipes or a storm, you'll be patting yourself on the back for organising home insurance. Here's a little bit about what it can cover:
If any of these events occur (plus some others), then you can be compensated for both the expense to repair your home and the expenses you incur while having to live outside of your home.
There are four main types of home insurance:
Building insurance
This is straight up home insurance. It includes cover for the home, so the actual building, only.
Contents insurance
This insures the belongings inside your home. So if you've got an expensive TV, oven etc — these can be covered by contents insurance.
Home and contents insurance
As the name implies, this is a combination of the two. This means your home building and your contents are insured.
Landlord insurance
This can include building insurance and/or contents insurance, based on what you need as a landlord. It's designed to protect your investment home while others are renting it.
"The best way to save money on your home insurance bill is to compare policies every time you go to renew. Sometimes, this doesn't even mean switching! It can be as simple as being informed about other prices so you can negotiate with your current insurer. I did this with my most recent home insurance bill and saved $200."
"Every insurer prices its risk in really different ways, which means you could get two very different quotes on the exact same house and same policy holder. That's why you're almost always going to pay over the offs if you don't shop around regularly. Call your insurer and ask for a better deal and if they can't do anything, do a quick comparison – for 60 minutes of your time, you could save hundreds or even thousands of dollars."
Home insurance premiums are getting more and more expensive so it's critical to ensure you're not paying more than you need to. Here's a few tips to get your home insurance bill down a bit lower:
"When my husband and I turned 60 and became semi-retired, we wanted to put a stop to unnecessary bills so we could spend time enjoying our retirement. When we received our home insurance renewal bill (from a company we'd been with for 5 years), I was blown away to learn that they were increasing my premium by a whopping 60%. I compared my options and ended up going with another provider. Even with added benefits, we still saved over $700 a year by switching!"
Compare home insurance in under a minute
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If your part of a body corporate, why is it so hard to get home and contents insurance?
Hi Sarah,
I’m sorry to hear about the problem you’re having. Thanks for getting in touch.
Regarding your question, I’m afraid I can’t tell you the answer as we are not an insurer. However, one primary reason could be is that there’s a lot of risks involved in insuring the property. Another reason is there might be some requirements that you have not met.
The best thing you can do is get in touch with your chosen insurer. If they can’t provide cover, then you might ask well them directly why. You should then get a more specific answer.
In the meantime, you may want to read our guide about business strata insurance. Aside from learning more about the insurance type you’re looking for, there’s a form on that page you can fill out. Once you submit that form, someone should get in touch with you and discuss your options.
While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
All the best,
Zubair
I have cracks inside my home high in the walls near where the walls meet the roof, also cracks on corners,and some in the cyprock ceiling, and
walls are brick and render walls, building inspector told me it was from the plats the roof sits on from high winds shifting it, been insured for over 30 years with the some insurer, they have rejected to pay my claim, what should I do?
Hi Jack,
Thanks for getting in touch. If you feel that you’ve been unfairly assessed, you can go through your insurers internal dispute resolution process. If after that you’re still unsatisfied, you can contact the ombudsman.
Cheers,
Richard
Why do you only show Hollard underwritten policies, plus you, under house and contents?
Do you have a financial connection to Hollard?
HI Bruce,
Thanks for your question. While Hollard is the underwriter of Woolworths insurance products, finder.com.au does not have a financial connection with Hollard. Out of our panel of home insurers, only Woolworths is underwritten by Hollard.
I hope this was helpful,
Richard
If I’m renting out my property do I need both home insurance and landlord insurance?
Hi Cheryl,
Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Landlord insurance covers many aspects your home (building) insurance wouldn’t cover a may include cover for home contents (your personal contents and not that of the tenant), storm damage, loss of rent and malicious damage. Every policy is different so you should review the policy document carefully before getting any cover.
I hope this was helpful,
Richard
Hi, buying a holiday home on the coast where I intend to reside 2-3 days a week. Also expect to rent out occasionally for short term holidays (Easter , XMAS, etc). Is normal Home & Contents policy OK in this situation?
Hi Jack,
Thanks for your question.
Some home and contents policy covers your holiday home if you are not going to occupy it for 60 days. You will find out more information on our holiday home insurance guide to know what type of policy you need to get.
If you plan on renting out your place for longer than 90 days, you will need to look for a policy like landlord insurance. If you are looking to rent your policy using a holiday letting service such as Stayz or Airbnb, you may find ShareCover interesting.
I hope this was helpful,
Richard